"Real Housewives of New Jersey" cast members Teresa and Giuseppe ("Joe") Giudice have 39 problems and Caroline Manzo ain't one. In a 39-count indictment filed Monday by the U.S. Attorney's Office, the married couple has been accused of exaggerating their income while applying for loans and then hiding improving fortunes after filing for bankruptcy. The counts include conspiracy to commit mail and wire fraud, bank fraud, bankruptcy fraud, and making false statements on loan applications.